2024 Best legal services plan - Getting sound legal help shouldn’t have to cost you an arm and a leg. A LegalShield Personal Plan allows you and your family access to legal consultation and support on an unlimited number of legal matters—for a fraction of traditional law firm hourly rates. Renews monthly at $29.95. versus paying monthly. Renews annually at $299.40.

 
Some legal insurance providers even provide services themselves — that’s usually in the form of a law firm or legal services company offering prepaid legal plans. Most legal plans come with an annual premium or semi-annual premium and cost around $100 to $300 per year. An employer, union or other membership association might offer a group .... Best legal services plan

Depending upon a state's regulations, ARAG's legal insurance plan may be considered an insurance product or a service product. Insurance products are underwritten by ARAG Insurance Company of Des Moines, Iowa. Service products are provided by ARAG Services, LLC. This material is for illustrative purposes only and is not a contract.509-606-0788. Contact. 509-850-9124. Contact. 509-606-2709. Contact. 509-381-3379. Lawyers from our extensive network are ready to answer your question.2. Planning: Definitions and Evolution in the Context of SLM 08 2.1 Definition 08 2.2 Types of land use planning 09 3. 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Established in 1996, AmeriEstate Legal Plan, with over 40,000 members to date, is known for delivering affordable, high quality estate planning services. AmeriEstate specializes in highest-quality estate planning solutions focusing on attorney-prepared Living ... View Full Profile. Group legal insurance plans are one of the fastest growing employer benefits. Employers that participate in a group legal plan can provide their employees with cost-effective, high-quality legal coverage. With Legal Resources, members have access to attorneys within our network for a fraction of the average out of pocket cost to secure legal ...1. Create a strategic action plan that can align the purpose of the legal strategic plan with the objectives and goals of the business. 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MARYLAND LEGAL AID’S IMPACT 105,273 People helped by MLA each year 2,650 People avoided eviction or foreclosure 8,159 Abused and neglected children represented 4,794 People benefited from criminal record ...Jan 2, 2018 · Online legal services offer do-it-yourself options and lawyer access at far lower costs than traditional law firms. “Technology is the key to providing greater access to legal services,” says ... A Legal Department strategy plan will help you: Accomplish meaningful improvements in process. Find operational adjustments that enhance service delivery (and your quality of life) Demonstrate value to your organization, executives and business clients. Create a shared vision, common goals and accountability in your legal team.1. Incfile.com. While Incfile.com provides a range of services for established small businesses, their real focus is on business formation. More expensive than average. 2. RocketLawyer. A membership-based legal service giving access to features like business formation and trademark services.Business Legal Advice – Plan Summary & Pricing Coverage. Small Business Legal Plans give you affordable access to a law firm for consultation on any business legal matter, contract review, debt collection help, and more. Start your plan today and speak with a lawyer. 3 juil. 2023 ... All other services are best accessed through UNISONdirect. Your eligibility for legal assistance will only continue if you case continues to ...Paramount Plus is a streaming service that offers a wide variety of content, including movies, TV shows, live sports, and more. With so many options available, it can be difficult to decide which plan is right for you.Most prepaid legal plans require a monthly payment or subscription and provide a list of covered benefits. We hope the chart below will help you compare the best prepaid legal plan providers so you can select the the plan that best suits your situation. Ranking. Individual Plan. Business Plan.If you ever want to confirm whether someone from Legal Services has called you, call us directly to ask if someone tried to reach you. Here is a list of Legal Services offices and phone numbers . Legal Services of New Jersey P.O. Box 1357 Edison, NJ 08818-1357 (732) 572-9100 5. Structure, Suppliers and Operations. This section of your simple business plan template explores how to structure and operate your business. Details include the type of business organization ...LegalZoom. LegalZoom is one of the biggest and best-known online legal services. Rather than requiring a monthly fee for access to legal forms, it uses a pay-as-you-go model, in which you pay a flat fee for LegalZoom to create the document, plus the relevant filing fees. The service’s library of available legal forms is immense and should ...Welcome to AOPA’s Pilot Protection Services, where our legal and medical certification staff and legal services staff and panel attorneys take on the struggles that all pilots deal with, from staying out of trouble with the FAA, becoming a better pilot, to staying healthy so you can stay in the left seat longer. Select a Membership. ConTV. CONTV is a free legal streaming anime site that will require a VPN if you are not in the region where it is supported. They offer a wide range of original shows, anime comics, and more that are available to you on the web and smartphone. It is currently exclusive to the United States.The Plus plan is necessary for any pilot who wants Legal Services Plan protection while exercising commercial privileges, but it’s also the best option for all pilots as it provides more hours with a panel attorney in the event of a matter covered by the Legal Services Plan. “We have a higher renewal rate with our Plus members,” said ...Best Overall Legal Insurance: legalzoom. Best for No Deductible Plans: Nationwide LegalGuard. Best for Real Estate Planning: ARAG Legal Insurance. Best for Discounts: Rocket Lawyer. 1. Best for ...The company charges all of its members a flat monthly fee for legal-service plans catering to business owners and individuals. Priced at $24.95 per month, …Small businesses often face a multitude of legal challenges, from drafting contracts to protecting intellectual property. In the past, seeking legal assistance meant hiring expensive lawyers or spending hours researching complex legal matte...3 juil. 2023 ... All other services are best accessed through UNISONdirect. Your eligibility for legal assistance will only continue if you case continues to ...Jul 24, 2023 · Best Overall Legal Insurance: legalzoom. Best for No Deductible Plans: Nationwide LegalGuard. Best for Real Estate Planning: ARAG Legal Insurance. Best for Discounts: Rocket Lawyer. 1. Best for ... Contact LegalZoom for customer support or to schedule an attorney consultation. LegalZoom is the nation's leading provider of personalized, online legal solutions and legal documents for small businesses and families.Most prepaid legal plans require a monthly payment or subscription and provide a list of covered benefits. We hope the chart below will help you compare the best prepaid legal plan providers so you can select the the plan that best suits your situation. Ranking. Individual Plan. Business Plan.Clientèle Standard Legal Plan. From. R270. p/m. Clientèle Legal offers you the opportunity to obtain Professional Legal Services. If you need to have your day in court, Clientèle Legal offers you inexpensive legal cover and an easy way to get your own qualified, professional lawyer. For only R270 per month, you will have access to R270,000 ... Texas Legal was created 50 years ago by the State Bar of Texas to provide access to affordable legal help for everyday Texans. As a nonprofit, we’re dedicated to providing legal plans to cover legal fees – helping Texans get the legal help they need without the high-dollar attorney costs. With hundreds of qualified attorneys to provide ... Instead of paying a lawyer by the hour, you pay a small fee (starting at $24.95/month) and have access to an independent provider lawyer that will provide a huge variety of legal services without a huge legal bill. Services like consultation with a lawyer, document review, drafting of debt collection letters and defense at civil trials are ...The cost of legal insurance varies between plans and providers. A standard plan can range from $10 to $25 a month. This works out to less than $1 per day. There are also plans that allow you to pay per service, so you're not stuck paying a monthly bill.Mail that previously should have arrived within three days will now take up to five days. If it feels like your mail has been slower to arrive this month, it’s not your imagination (nor is it your mail carrier being lazy). The U.S. Postal S...Asset Management Plans (AMPs) are a central part of ‘lifecycle planning and operation’ and should be documented at a level that is appropriate to the agency and its stakeholders. For some agencies this may be captured in a single document, while for others, multiple AMPs may be appropriate. 3. Asset Management Plans – minimum requirements6 - Harbor Compliance. Harbor Compliance is an online legal service founded in 2012 and has provided compliance solutions to over 20,000 businesses, organizations, and NGOs. This online legal service offers a demo account we signed up for to test their services before subscribing to the paid options.LegalZoom. LegalZoom is one of the biggest and best-known online legal services. Rather than requiring a monthly fee for access to legal forms, it uses a pay-as-you-go model, in which you pay a flat fee for LegalZoom to create the document, plus the relevant filing fees. The service’s library of available legal forms is immense and should ...Legal Services Plan. This plan can help cover the cost of professional legal advice, representation, and assistance for certain personal legal matters, including protection against certain legal suits and identity theft. is a prepared life. Discounts. You can enjoy these discounts as a Wells Fargo employee. Everyday discounts1. Incfile.com. While Incfile.com provides a range of services for established small businesses, their real focus is on business formation. More expensive than average. 2. RocketLawyer. A membership-based legal service giving access to features like business formation and trademark services. The Best Business Plan Software of 2023. Wrike: Best overall. Smartsheet: Best for goal management. LivePlan: Best for financial forecasting. Aha!: Best for roadmapping. Bizplan: Best for ...3. LegalZoom. Among the companies offering the best prepaid legal plans, LegalZoom offers one of the most affordable packages in the market. Their standard membership includes Business Advisory Plans (BAP) that provide first-rate legal advice from their vast network of attorneys. If you have queries in forming a business or creating a trademark ...Most prepaid legal plans require a monthly payment or subscription and provide a list of covered benefits. We hope the chart below will help you compare the best prepaid legal plan providers so you can select the the plan that best suits your situation. Ranking. Individual Plan. Business Plan.The best online legal services now offer legal assistance on a broad range of matters. We evaluated which companies are worth using to serve your legal needs.1. Create a strategic action plan that can align the purpose of the legal strategic plan with the objectives and goals of the business. There should be a link between the legal team and the business to ensure that the results of the document’s creation and usage will be favorable for the company and its operations. 2.Whether you have planned legal expenses or just want to be prepared for the unexpected, MetLife's Group Legal Plan through Hyatt Legal Services is available ...Get personal legal help from experienced attorneys. Get affordable legal services with unlimited 30-minute calls on new personal legal topics, such as estate planning, real estate, family matters, and finance for a monthly cost less than an hour with a traditional attorney.2. Representation Prior to Appeal. For the following services, if provided by a Panel Attorney, the Plan will pay 100% of the legal fees for the Essential Private Level up to ten (10) hours or Plus Level up to twenty (20) hours. For a non-panel attorney, the Plan will pay 100% of legal fees up to ten (10) hours for the EssentialJul 10, 2023 · Here are our picks for the best online legal services of 2020. ... you can start for free or upgrade to the service’s most popular Pro plan for $199. 9. Inc Authority: Best for tax-deductible ... With MetLife Legal Plans, you can obtain services from attorneys in much the same way as you do from the doctors who participate in your medical plan. MetLife ...Get a Complimentary Marketing Plan for Your Law Firm. Schedule a Call ... best practices for successfully implementing an outsourcing strategy in your law firm.5 2 Reviews. Visit website. RAALC Law Firm, a premier law firm in the UAE. RAALC was co-founded in Sharjah in the year 2013. Its journey was immensely successful which garnered the opportunity to establish two new branches in Dubai and Ras Al Khaimah. Fast forward to 2018, Dubai office was announced as the RAALC headquarter.The company charges all of its members a flat monthly fee for legal-service plans catering to business owners and individuals. Priced at $24.95 per month, LegalShield’s personal legal ... Forming a business - The best online legal services for business formation might save you a lot of time and money since the majority of the ...The Legal Services Plan offers you legal services you may need for real estate transactions, name changes, document reviews, wills and other legal matters. The Plan provides high-quality legal advice, counseling and representation. Whatever you discuss with your lawyer will be held in strict confidence. This benefit is based on contributions ...The prepaid Legal Plan offers affordable and unlimited access to professional attorneys for a wide array of legal needs.Online Prepaid Legal Plans & Legal Services - LegalShield Affordable Legal Help Does Exist Get started No matter what life throws your way, LegalShield has your back Check out all the ways we can help. Wills and Estates Get a Will and plan your estate. Your loved ones will thank you. Learn more Family Law Getting divorced? Adopting? Want a prenup?The best unlimited data plan overall. Visible | Visible Plus | $45/month - The best unlimited data prepaid on a budget. Visible's basic unlimited data plan starts at $25. But unless you need the ...MetLaw Legal Plans Unlimited legal assistance benefits for employees for less than $20/mo. Peace of mind for employees and their dependents Now you can take advantage of MetLaw, a legal service plan to get convenient access to comprehensive legal services at an affordable $18.00 a month. This plan is easy to use because there areFor a monthly fee, you can have a team of top attorneys ready to help you take care of life's planned and unplanned legal events. MetLife Legal Plans, formerly ...Jul 1, 2020 · The Plus plan is necessary for any pilot who wants Legal Services Plan protection while exercising commercial privileges, but it’s also the best option for all pilots as it provides more hours with a panel attorney in the event of a matter covered by the Legal Services Plan. “We have a higher renewal rate with our Plus members,” said ... The Best LLC Services of 2023. LegalZoom: Best variety of services. ZenBusiness: Best for new business. Incfile: Best for basic legal needs. Rocket Lawyer: Best for usability. Active Filings: Best ...Jan 22, 2022 · Personal legal insurance may entitle you to reduced fees for services the plan doesn’t cover when you use an in-network attorney. For example, you might get a discount of 25% or more on ... Aug 27, 2020 · One way to do so is an ERISA plan for prepaid legal services. Traditionally, these plans consist of arrangements allowing employees to pay a premium for legal services coverage that they may use ... A legal plan provides fully covered services for many of the most frequently needed personal legal matters, in addition to advice and consultations on an unlimited number of personal legal issues. If you are a legal plan member, you can quickly access the member site to view coverage for the legal plan offered by your employer or call our ...3 Attorney fees with EAP calculated by multiplying average number of hours by the average attorney rate in the United States of $343 per hour for attorneys with 11 to 15 years of experience by an estimated discount rate of 25%. Premium not included. 4 Premium not included. Limitations and exclusions apply. Insurance products are underwritten by ... Jan 2, 2018 · Online legal services offer do-it-yourself options and lawyer access at far lower costs than traditional law firms. “Technology is the key to providing greater access to legal services,” says ... Best legal services plan, how much is a maybach suv, sfrx stock

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MetLife Legal Plans provide fully covered services for the most frequently needed personal legal matters, in addition to advice and consultations on an unlimited number of personal legal issues. If you are a legal plan member, you can quickly access the member site to view coverage for the legal plan offered by your employer, or call our Client ...Amtrak has grand plans to expand the new nonstop Acela service it launched on the Northeast Corridor this fall. Amtrak has plans to expand the nonstop Acela service it launched on the Northeast Corridor this fall and grand plans for the exp...ARAG ReviewOverall Ranking: n/a ARAG provides legal insurance (prepaid legal plans) for individuals and families. The company partners with attorneys to provide legal services ranging from writing a will to providing representation in a lawsuit. ARAG is a global company with more than 80 years of experience, and a network of 14,000 attorneys in the U.S. It provides comprehensive employer ... In this plan the employee pays $9 bi-weekly, and has pretty much unlimited access to attorney consultation, and legal representation in several areas. I don't think they're going to do criminal defense at that rate, but pretty much any civil type law including estate, family, real estate, financial, even things like traffic ticket defense.Most prepaid legal plans require a monthly payment or subscription and provide a list of covered benefits. We hope the chart below will help you compare the best prepaid legal plan providers so you can select the the plan that best suits your situation. Ranking. Individual Plan. Business Plan.Jun 1, 2023 · LawHelp.org - Find free legal aid near you and get answers to your legal questions. These services are for people with low to moderate incomes. Law Help Interactive - This program helps you fill out legal forms for free, such as those dealing with: Uncontested divorce. Identity theft. Online Prepaid Legal Plans & Legal Services - LegalShield Affordable Legal Help Does Exist Get started No matter what life throws your way, LegalShield has your back Check out all the ways we can help. Wills and Estates Get a Will and plan your estate. Your loved ones will thank you. Learn more Family Law Getting divorced? Adopting? Want a prenup? 1. LegalShield — 9.13/10 (Best online legal service) LegalShield is my #1 recommendation because their legal services cover just about every challenge, issue, and concern you could have in both your personal and professional life, and they are the only online legal service that has no restrictions on how much time you can spend discussing these issues with their legal team.It’s important to have a variety of options when you’re looking for a new internet service plan so you can find the best one for your needs. If you’re already an AT&T cellular customer — or even if you’re not — you might be interested in si...2 MetLife survey of legal plan sponsors conducted in 2017. 3 Average hourly rate of $370.00 based on years of legal experience, National Law and Journal and ALM Legal Intelligence, Survey of Law Firm Economics (2018). Group legal plans provided by MetLife Legal Plans, Inc., Cleveland, Ohio. In certain states, group legal plans are provided ... 3 Attorney fees with EAP calculated by multiplying average number of hours by the average attorney rate in the United States of $343 per hour for attorneys with 11 to 15 years of experience by an estimated discount rate of 25%. Premium not included. 4 Premium not included. Limitations and exclusions apply. Insurance products are underwritten by ...Most online services offer a simple will for about $100, Horton says, which he estimates is anywhere from one-fifth to one-fifteenth of the cost of an attorney-drafted will. Many can be completed ...U.S. Legal Insurance plans cover basic legal services such as traffic violations, debt collection defense, consumer law, divorce and much more. Enrolled employees pay the affordable monthly premiums through convenient payroll deduction. In addition, U.S. Legal offers special programs for commercial drivers, law enforcement and first responders ...An agreement is now close, and could see British lawyers stationed in Rwandan courts as part of efforts to address the Supreme Court's concerns, the BBC …LawHelp.org - Find free legal aid near you and get answers to your legal questions. These services are for people with low to moderate incomes. Law Help Interactive - This program helps you fill out legal forms for free, such as those dealing with: Uncontested divorce. Identity theft.OUR MISSION: To provide high-quality, free legal services to Marylanders living in poverty through representation and advocacy and to bring meaningful change to the systems that impact them. MARYLAND LEGAL AID’S IMPACT 105,273 People helped by MLA each year 2,650 People avoided eviction or foreclosure 8,159 Abused and neglected children represented 4,794 People benefited from criminal record ...If you're on a tight budget, where 15 dollars can make a difference, I'd have to say no. Most people don't ever really need legal service, and it's not worth sacrificing necessities. (Assuming you don't get sued, divorced, or arrested very often.) If, on the other hand, you spend that much on coffee every couple of days, then by all means, get it.Online legal services are often cheaper and more convenient than standard attorneys, although they have their limitations. There’s … See moreMississippi Lawyers. Missouri Lawyers. Nebraska Lawyers. Utah Lawyers. Wyoming Lawyers. Avvo has ratings, reviews, and disciplinary records for lawyers in every state. Get free legal advice, find the right lawyer, and make informed legal decisions.Since 1977, MetLife Legal Plans, formerly Hyatt Legal Plans, has been helping employees and families navigate legal issues by providing legal consultation and representation through a simple to use and cost-effective legal plan. ... Our Client Service Center is consistently recognized for best-in-class customer service by the American Business ...Nov 10, 2023 · The Best LLC Services of 2023. LegalZoom: Best variety of services. ZenBusiness: Best for new business. Incfile: Best for basic legal needs. Rocket Lawyer: Best for usability. Active Filings: Best ... 1. LegalShield - Best Prepaid Plans If you’re looking for the best prepaid legal plan with comprehensive assistance coverage for individuals, families, or budding …Reduce the out-of-pocket cost of legal services with MetLife Legal Plans. ... Best of all, you have unlimited access to our attorneys for all legal matters.Owned by MetLife Company, Hyatt Legal Plans give employees legal coverage for life’s important moments. A white paper revealed that employees were likely to need legal services for selling a home, dealing with traffic tickets and recovering...Examples of prepaid legal insurers are provided below. You may also wish to inquire if a group legal services plan is offered as an employee benefit by your employer. ARAG North America 480 Capital Square, 400 Locust Street Des Moines, IA 50309 Phone: (515) 246-1200 (800) 888-4184 www.ARAGlegal.com. Legalshield P. O. Box 145 Ada, OK 74820May 20, 2022 · what we do. For 50 years, Georgia Legal Services Program (GLSP), has offered free legal services to Georgians with low incomes who reside outside metro Atlanta in 154 of the state’s 159 counties. We believe everyone has a right to high quality legal services regardless of location. Our nonprofit law firm exists to ensure qualifying Georgians ... The LegalShield Individual Legal Plan ($24.95/month) covers the member, their spouse and dependent children under the age of 18 (the member’s child can keep coverage until until age 26 if unmarried and living with the member). This plan includes: toll-free phone consultations with your Provider Law Firm for any personal legal matter even on pre …Best Overall: Nolo’s Quicken WillMaker & Trust. Best Value: US Legal Wills. Best for Ease of Use: Trust & Will. Best Comprehensive Estate Plan: TotalLegal. Best for Free: Do Your Own Will. Best ...Business Legal Advice – Plan Summary & Pricing Coverage. Small Business Legal Plans give you affordable access to a law firm for consultation on any business legal matter, contract review, debt collection help, and more. Start your plan today and speak with a lawyer. Try LegalShield. LegalShield is one of the best online legal services that excel in providing affordable legal support on everyday issues for families, small …Mississippi Lawyers. Missouri Lawyers. Nebraska Lawyers. Utah Lawyers. Wyoming Lawyers. Avvo has ratings, reviews, and disciplinary records for lawyers in every state. Get free legal advice, find the right lawyer, and make informed legal decisions.Premium: MetLife Legal Plans · Unlimited access to legal assistance · All attorney fees are paid by the plan for covered matters* · Expert legal advice and ...He is known for performing all work with the highest level of care. Kurt's clients are his partners. Kurt is a Registered CPA in Illinois. He was recognized by Best Lawyers in America in 2017 for Corporate Law and has been listed in Virginia Business magazine’s Legal Elite several times. He is rated AV Preeminent by Martindale-Hubbell.Group legal plans are administered by MetLife Legal Plans, Inc., Cleveland, Ohio. In California, this entity operates under the name MetLife Legal Insurance Services. In certain states, group legal plans are provided through insurance coverage underwritten by Metropolitan General Insurance Company, Warwick, RI. A "prepaid legal service plan" is a type of insurance plan that a number of different companies offer and market through employers, labor unions, credit unions, department stores, credit card companies, and even door-to-door. The theory is that legal services, kind of like nuts and berries, are cheaper when bought in bulk. The Legal Services Corporation (LSC) is an independent, non-profit organization established by Congress in 1974 to provide financial support for civil legal aid to low-income Americans. LSC was founded on the shared American ideal of access to justice regardless of one’s economic status. LSC is the largest single funder of civil legal ...Small businesses often face a multitude of legal challenges, from drafting contracts to protecting intellectual property. In the past, seeking legal assistance meant hiring expensive lawyers or spending hours researching complex legal matte...Experienced Business & Estate Planning Law Firm. Practical Advice & Cost-Effective Results. Free Phone Consultation. Contact Chat Now 480-448-5775 Joseph M. Udall, PLC ... Personal attention & quality legal service since 1961. Highest Peer Review Rating. Reviews 4.8 4 peer 4.8 6 client 5.0 3 Avvo 2 Awards; View Website Call Contact Compare.No matter what life throws your way, LegalShield has your back Check out all the ways we can help. Wills and Estates Get a Will and plan your estate. Your loved ones will thank …1. Incfile.com. While Incfile.com provides a range of services for established small businesses, their real focus is on business formation. More expensive than average. 2. RocketLawyer. A membership-based legal service giving access to features like business formation and trademark services.Get personal legal help from experienced attorneys. Get affordable legal services with unlimited 30-minute calls on new personal legal topics, such as estate planning, real estate, family matters, and finance for a monthly cost less than an hour with a traditional attorney.Providing the best legal services to our communities, and the best environment for our staff and attorneys. If you are an upbeat and energetic individual ...Our personal legal plans include: Unlimited 30-minute attorney consultations on new personal legal matters One-hour annual legal checkup (available after 6 months) …As a senior lawyer of Clarke, Dolph, Rapaport, Hull, Brunick & Garriott, P.L.C., Mr. Dolph provides legal services in Business Law, Estate Planning, and Taxation. During his 40 years in practice, Mr. Dolph has represented both large and small companies, foundations, non-profits, individuals and financial institutions.#1 $24.95/month $39/month 1969 3.3MM+ Mobile App Our Review Sign Up! RocketLawyer $39.95 per month #2 $39.95/month $49.95/month 2008 900K+ Since 1977, MetLife Legal Plans, formerly Hyatt Legal Plans, has been helping employees and families navigate legal issues by providing legal consultation and representation through a simple to use and cost-effective legal plan. ... Our Client Service Center is consistently recognized for best-in-class customer service by the American Business ...Chambers differentiates the best legal talent by identifying and ranking law firms and lawyers globally.Best Overall: Nolo’s Quicken WillMaker & Trust. Best Value: US Legal Wills. Best for Ease of Use: Trust & Will. Best Comprehensive Estate Plan: TotalLegal. Best for Free: Do Your Own Will. Best ...6 - Harbor Compliance. Harbor Compliance is an online legal service founded in 2012 and has provided compliance solutions to over 20,000 businesses, organizations, and NGOs. This online legal service offers a demo account we signed up for to test their services before subscribing to the paid options.. Spy ex dividend date 2023, us household savings